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800-299-7047
5100 N Classen Blvd
Oklahoma City, OK 73118

First Fidelity Bank, National Association is headquartered in Oklahoma City and is the 9th largest bank in the state of Oklahoma. It is also the 492nd largest bank in the nation. It was established in 1981 and as of December of 2013, it had grown to 346 employees at 34 locations. First Fidelity Bank, National Association has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Fidelity Bank, National Association had $23.82 million in non-current loans and owned real-estate with $141.11 million in equity and loan loss allowances on hand to cover it. This gives First Fidelity Bank, National Association a Texas Ratio of 16.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for First Fidelity Bank, National Association increased slightly from 10.70% as of December 31, 2012 to 16.88% as of December 31, 2013, resulting in a negative change of 57.72%. This indicates that the balance sheet and financial strength for First Fidelity Bank, National Association has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, First Fidelity Bank, National Association has increased its total deposits by $162.67 million, resulting in 17.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Fidelity Bank, National Association has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Fidelity Bank, National Association has $1.38 billion in assets with $141.11 million in equity, resulting in a capitalization level of 10.26%, which is above average.

Institution Statistics

Overall
FDIC Certificate #23473
Year Established1981
Employees346
Primary RegulatorOCC
Assets and Liabilities
Assets$1.38 billion
Loans$796.67 million
Deposits$1.11 billion
Equity Capital$130.11 million
Loan Loss Allowance$11.00 million
Unbacked Noncurrent Loans$19.26 million
Real Estate Owned$4.56 million
Historic Data - December 2012
Assets$1.19 billion
Equity Capital$135.99 million
Loan Loss Allowance$10.46 million
Unbacked Noncurrent Loans$19.26 million
Real Estate Owned$4.85 million
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets1.48%
Return on Equity14.28%
Interest Income$49.20 million
Rates

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Locations

First Fidelity Bank, National Association has 28 locations. Click to view all First Fidelity Bank, National Association locations.